University of Toronto Financial Aid (UTAPS)

University of Toronto financial aid programs fill the financial gap for full-time students who receive the maximum amount of government financial aid available, but whose funding doesn’t cover all university costs.

How and When UTAPS is Paid

For students in UTAPS-eligible programs, UTAPS payments are applied first to your fees account. Any remaining balance will be deposited into your bank account by the Student Accounts office. If you haven’t already done so, set up your bank account information on ACORN as soon as possible. Direct deposit instructions are available on ACORN.

You will be notified via your UTOR email of your UTAPS amount.

2018-19 UTAPS Eligible Programs

Note: If you don’t see your program of study in this list, contact your Registrar.

John H. Daniels Faculty of Architecture, Landscape and Design

Master of Visual Studies (Studio Art or Curatorial Studies) (MVS) – Students in years 3 and 4 only

Master of Architecture (MArch) – Students in years 3 and 4 only

Master of Landscape Architecture (MLA) – Students in years 3 and 4 only

Master of Urban Design – Students in years 3 and 4 only

Knowledge Media Design Institute Collaborative Program (KMDI)

Sexual Diversity Studies Collaborative Program (M.A. and Ph.D.)

Faculty of Applied Science and Engineering

All undergraduate programs

Master of Applied Science (MASc)

Doctor of Philosophy (Ph.D.)

Faculty of Forestry

Master of Science in Forestry (M.Sc.F.)

Doctor of Philosophy (Ph.D.)

Dalla Lana School of Public Health

Master of Science in Biostatistics

Ph.D.: Biostatistics

Ph.D.: Epidemiology

Ph.D.: Occupational and Environmental Health

Ph.D.: Social and Behavioural Health Sciences

Collaborative Programs

Leslie Dan Faculty of Pharmacy

Doctor of Pharmacy (PharmD) – Students in years 3 and 4 only (up to $2000)

Faculty of Information (iSchool)

Bachelor of Arts – Interactive Digital Media (joint with UTM)

Ph.D. in Information Studies

Ontario Institute for Studies in Education (OISE)

All Doctoral programs (Ph.D. and Ed.D.)

Other Master of Arts Programs

Lawrence S. Bloomberg Faculty of Nursing

Bachelor of Science in Nursing (BScN)

Collaborative Master of Nursing/Ph.D. programs

Doctor of Philosophy (Ph.D.)

Faculty of Kinesiology and Physical Education

Bachelor of Kinesiology (BKIN)

Master of Science in Exercise Sciences

Ph.D. in Exercise Sciences

Faculty of Medicine

BSc in Medical Radiation Sciences

Bachelor of Science – Physician Assistant

Faculty of Music

Bachelor of Music

All Ph.D programs

Factor-Inwentash Faculty of Social Work

Juris Doctor/Master of Social Work (J.D./MSW) – Students in year 4 only

Master of Health Science/Master of Social Work (MHSc/MSW) – Students in year 3 only

Master of Social Work and Ph.D. collaborative programs (MSW and Ph.D.)

Ph.D. in Social Work

University of Toronto – Mississauga

All undergraduate programs

Doctoral-stream master's programs – contact your program area for further information

University of Toronto – Scarborough

All undergraduate programs

Students in Professional Masters Programs

Government Student Assistance: Eligible Ontario residents in eligible programs can apply for the Ontario Student Assistance Program (OSAP), a government financial aid program that assists eligible Ontario residents attending university through a combination of loans and grants. Students from other Canadian provinces/territories can apply for government student assistance through their provincial student assistance agencies.

Eligible US citizens/permanent residents may look into applying for US Direct Loans or alternative/private loans. More details can be found on this US Loans website.

Line of Credit: Students also have the option of borrowing funds from Scotiabank through either the Scotia Professional Student Plan (SPSP) OR ScotiaLine for Students (ScotiaLine). Whether a student is eligible to apply for SPSP or ScotiaLine depends on the student’s program of study and year of study, as indicated below.

Students interested in the lending products offered by Scotiabank should contact the Queen and McCaul Branch, Georgios Stathopoulos at georgios.stathopoulos@scotiabank.com or 416-866-3940 ext. 4209 to set up an appointment.

Note: University of Toronto students are not required to use Scotiabank as a lender. Students are free to pursue funding options at the financial institution of their choice. If a department is using a different lender, students are encouraged to contact the department directly for lender information.

Programs Not Eligible For OSAP and UTAPS

The following courses/programs offered by the University of Toronto are not eligible for OSAP and UTAPS (e.g., program has not been approved by the Ontario Ministry of Advanced Education and Skills Development for OSAP purposes).

International Dentist Advanced Placement Program for Foreign-Trained Dentists

Non-conjoint Toronto School of Theology Programs (TST students in conjoint programs are eligible to apply for OSAP but will not be considered for UTAPS.)

All executive programs at the Rotman School of Management

Graduate Diploma in Professional Accounting – Faculty of Management

International Pharmacy Graduate Program (Canadian Pharmacy Skills) for individuals with foreign pharmacy degrees

Financial Aid/ UTAPS Online Estimator

This is a tool that will provide you with an estimate of how much UTAPS funding you could receive.

Before you begin the Financial Aid/ UTAPS Online Estimator

The Financial Aid/ UTAPS estimator provides an estimate only. It does not provide a guarantee of funding by the University of Toronto.

The Financial Aid/ UTAPS estimator is based on current OSAP policies and University of Toronto costs. It’s intended to help you plan for your university expenses. The actual amount of government-funded student aid (e.g., OSAP) could be different.

All income-related questions must be completed. If you have no income to report for a particular question, enter 0. Blank fields will not be accepted.

It’s important that you accurately report the income amounts as requested. Estimates are acceptable if the tax returns have not been completed.

Freedom of Information and Privacy Act

The University of Toronto respects your privacy.

Personal information that you provide to the University is collected pursuant to section 2(14) of the University of Toronto Act, 1971.

It is collected for the purpose of administering admissions, registration, academic programs, university-related student activities, activities of student societies, safety, financial assistance and awards, graduation and university advancement, and reporting to government.

In addition, the Ministry of Advanced Education and Skills Development has asked that we notify you of the following: The University of Toronto is required to disclose personal information such as Ontario Education Numbers, student characteristics and educational outcomes to the Minister of Advanced Education and Skills Development under s. 15 of the Ministry of Training, Colleges and Universities Act, R.S.O. 1990, Chapter M.19, as amended. The ministry collects this data for purposes such as planning, allocating and administering public funding to colleges, universities and other post-secondary educational and training institutions and to conduct research and analysis, including longitudinal studies, and statistical activities conducted by or on behalf of the ministry for purposes that relate to post-secondary education and training. Further information on how the Minister of Advanced Education and Skills Development uses this personal information is available on the ministry’s website.

Your university fees consist of tuition, incidental and ancillary fees, and are based on several factors. In addition, you’ll want to consider other costs such as books, supplies, residence, transportation, food and other expenses.

If you are a Canadian citizen, permanent resident or protected person, there are many sources of financial aid available to help you cover the costs of your University of Toronto education – from OSAP and other government aid, to assistance provided by the University. Explore your options.

If you are an international applicant, you should find out about your home country’s financial aid programs to see if you qualify for assistance. The University of Toronto is a publically-funded institution and because of that cannot offer financial aid to international students.

I’m an international applicant, can I receive financial assistance from U of T?

The University of Toronto is a publically-funded institution and because of that cannot offer financial aid to international students. If you are an international applicant, you should find out about your home country’s financial aid programs to see if you qualify for assistance.

Submit your OSAP application, then print and sign the consents and declaration pages - and any other required supporting documentation - and either upload them through your OSAP account online, or submit by mail or in person to Enrolment Services.

Follow the instructions provided to submit your Master Student Financial Assistance Agreement (MSFAA) at a Designated Canada Post Office to be forwarded to the National Student Loan Service Centre (NSLSC).

If you are a returning applicant you may not need to submit any documentation.

Eligible high school students are automatically considered for a variety of admission scholarships when they apply to the University. There are also admissions scholarships that require a separate application, and others that require you to complete an awards profile.

Note, however, that the value of scholarships is rarely sufficient to cover all costs the student will incur while attending University of Toronto.